Chase's ABA number depends on which state you bank in and what type of account you have
Chase does not have a single ABA number. The ABA routing number — also called a routing transit number — changes based on your state and the specific Chase branch or processing center that handles your account. When you need to set up a wire transfer, direct deposit, or automatic payment, you will need the correct routing number for your location.
The most common Chase routing numbers are 021000021 for New York and 111000025 for California, but Chase operates different numbers across all 50 states. Using the wrong number will not send your money to the wrong account — the transfer will simply fail or be delayed while the bank corrects it.
Key Takeaways
- Chase routing numbers vary by state, so you cannot use the same number everywhere you bank with Chase.
- You can find your specific routing number on the bottom left of your checks, in your Chase mobile app, or by calling Chase customer service.
- The routing number is different from your account number — you need both for transfers and direct deposits.
- Wire transfers, ACH transfers, and direct deposits all require the correct routing number for your state and account type.
Where to find your Chase routing number
The fastest way is to look at a check from your Chase account. The routing number appears in the bottom left corner, printed in magnetic ink. It is a nine-digit number that starts with 0, 1, or 2.
If you do not have a check handy, open the Chase mobile app or log into Chase.com. Go to your account details or settings — the exact location varies by app version, but it is usually under "Account Information" or "Routing Number." Chase displays your routing number there alongside your account number.
You can also call Chase customer service at 1-800-935-9935 and ask for your routing number. Have your account number ready. The representative will confirm your state and give you the correct nine-digit number over the phone.
Common Chase routing numbers by state
Chase maintains different routing numbers for major states. Here are some of the most frequently used:
| State | Routing Number |
|---|---|
| New York | 021000021 |
| California | 111000025 |
| Texas | 111000025 |
| Florida | 021000021 |
| Illinois | 071000013 |
| Pennsylvania | 021000021 |
| Ohio | 041000124 |
| Georgia | 021000021 |
This list covers only the largest states. Chase has routing numbers for every state where it operates. If your state is not listed here, use one of the methods above to find your specific number rather than guessing.
Why routing numbers matter for transfers and deposits
Banks use routing numbers to sort money between financial institutions. When you set up direct deposit with your employer, the payroll department needs your routing number and account number to send your paycheck to the right place. If you provide the wrong routing number, your deposit will be rejected or sent to another bank.
Wire transfers also require the correct routing number. If you are sending money to another bank or receiving a wire from outside Chase, both banks need accurate routing information. A wrong routing number can delay the transfer by days while the banks track down the error.
ACH transfers — the system used for bill payments and transfers between your own accounts at different banks — also depend on routing numbers. Most bill-pay systems and peer-to-peer payment apps ask for your routing number when you add a bank account.
The difference between routing number and account number
These two numbers serve different purposes and are not interchangeable. Your routing number identifies which Chase branch or processing center handles your account. Your account number identifies your specific account within that branch.
Think of it this way: the routing number is like the address of the post office, and the account number is like your mailbox number. Both are needed for money to reach you. You can share your routing number freely — it is public information printed on every check. Your account number should be treated more carefully, though it is also not sensitive on its own.
What to do if you are unsure about your routing number
Do not guess. Using an incorrect routing number will not harm your account, but it will cause the transfer to fail or be delayed. The sending bank or employer will contact you to ask for the correct number, which wastes time.
Always verify your routing number through one of the three methods: check your checks, look it up in the Chase app or website, or call Chase directly. It takes two minutes and prevents frustration later. If you are setting up direct deposit with a new employer, ask them to confirm the routing number before they process your first paycheck.
Frequently Asked Questions
Is the routing number the same for all Chase customers in my state?
Not always. While most customers in a state share the same routing number, some older accounts or accounts opened at specific branches may have different numbers. Check your own checks or account details rather than assuming. The routing number printed on your checks is always correct for your account.
Can I use the same routing number for wire transfers and direct deposits?
Yes. The routing number works for all types of transfers — wire transfers, ACH transfers, direct deposits, and bill payments. You do not need different numbers for different transaction types. The same nine-digit number handles everything.
What happens if I give someone the wrong routing number?
The transfer will fail or be rejected by the receiving bank. The sending bank will then contact you or the person who initiated the transfer to ask for the correct information. This can delay money by several days. Always double-check before submitting.
Do I need a routing number to transfer money between my own Chase accounts?
No. If you are moving money between two accounts you own at Chase, you only need the account numbers. Routing numbers are only required when money is going to or coming from a different bank.
Is my routing number printed on my debit card?
No. Routing numbers appear only on checks and in your online banking details. Your debit card shows your card number and expiration date, but not your routing number. Always use a check or your Chase account details to find it.